As you progress through your academic career, repaying your student loans is something that you should always consider. Repayment begins after you graduate or if you enroll for fewer than six credits. 本网站提供的信息概述了不同的还款方式, an introduction to the repayment estimator, 贷款整合, and other resources related to student loans. 我们希望本网站提供的信息将有助于指导您决定哪种类型的还款计划可以支持您的个人财务状况和预算.
参观 金融教育 webpage for more information regarding credit scores and other information.
重要的公告
既然 COVID-19 payment pause has ended, student loan payments have restarted. For most borrowers, the first payment after the payment pause ended was 2023年10月到期. 回顾偿还学生贷款的重要概念、技巧和建议 偿还学生贷款.
的se guides can assist you in preparing for loan repayment.
的 National Student Loan Data System 联邦政府是否提供了一个系统来跟踪所有已经支付给你的联邦援助. 它提供了标题IV贷款和赠款的集中视图,以便您可以随时访问和跟踪您的帐户. Make sure that you have your 联邦学生资助 ID to access your information. Please note that if you have taken out private loans, 这些资料将不会在免入息贷款计划及你的借款总额内提供.
的 还款估计量 is a great tool to use before you contact your loan servicer. 还款估算器给你一个优势,让你看到你估计的每月还款计划取决于各种还款选项. 你需要有关家庭收入和家庭规模的信息来获得最准确的估计.
一旦你毕业了, 撤销, or dropped below half-time (six credits) enrollment, you are required to complete Direct Loan 出口咨询. Once you have completed the session, 你可以根据你的个人预算来决定哪种还款计划对你更有利. Complete the 出口咨询 requirement. 您将需要您的联邦学生援助身份证明和密码才能访问该网站. If you forgot your FSA ID information, 点击这里.
如果您计划返回学校或已经返回学校,并且注册了6个学分或以上, you are eligible to have your loans deferred. 请参阅以下有关延期和延期机会的信息.
After you graduate or are enrolled for less than half-time (six credits), 您的贷款服务人员将与您就您的贷款还款进行沟通. If you borrowed more than one student loan, 与您的每个贷款服务人员检查,以确保您及时付款,信息不会被遗漏. 作为借款人,即使没有账单,你也有责任付款. If you are unsure of who your loan servicer is, please visit the National Student Loan Data System (NSLDS®) to view information regarding your federal student loans.
Various repayment options are available to student borrowers. Be sure to check out additional information on the 联邦学生资助 webpage for the latest information.
Consolidating Your 学生贷款
直接合并贷款允许您将多个联邦贷款合并为一个贷款. 的 end result would be one single monthly payment. This process can be very useful if you want to keep track of all of your payments. View the video below to find out why you should consider 贷款整合.
管理你的预算 and make well-informed loan borrowing decisions.
通过使用NSLDS在线跟踪您的贷款或直接访问您的贷款服务网站.
Keep good documentation of everything regarding your financial aid, 贷款信息披露, 付款时间表, and other loan counseling materials.
不要害怕通知你的贷款服务机构任何变化,你的状态,如:需要帮助与你的每月付款, experiencing a loss of employment, change in demographic information, 退学, 或者你已经毕业了.
If you cannot make your monthly payment, contact your loan servicer about deferment or forbearance, 或者甚至把你的还款选择改为最适合你的财务需求. Click to see if you are eligible for a loan deferment. 你可以向你的贷款服务机构申请延期或延期,或者如果你在学校至少有一半的时间, you may request for an in-school deferment. 直接联系你的学校和贷款服务机构,了解如何申请在校延期.
Approval for rental properties or home owner's insurance
Loss of eligibility of future federal financial aid
Don’t get discouraged if you have 违约 on a federal student loan! 的re are several options for you if you 违约 关于联邦贷款:康复、贷款偿还和贷款合并计划. For 违约 FFEL Program or Federal Perkins loan, 你需要与你的学校或担保机构核实,以了解有关如何摆脱这些特定贷款的违约状态的更多信息.
我们希望您会发现本网站提供的有关还款选择的信息有用且具有教育意义, 默认的厌恶, and some basic processes that can help you build a solid financial future. 如果你对你的贷款有任何疑问,请联系学生财政援助 & Scholarships Office at 216-987-6000,选项2.